Does anyone know of a HELOC lender with no prepayment fees and lower closing costs? For context, I am looking to borrow $70k on a home with $300k in equity.

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Talk me out of (or into!) buying a 2000 M Roadster. $14.5k, 111k miles. Mechanically sound with records, cosmetically nothing I can’t repair/replace.

Up to what salary did you contribute to Roth retirement accounts before switching to traditional?

If I have a six year old and 150k in a 529, can I say I’m done?

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

What is the best performing NPS available on market. Let's assume that I invest 50k per year for tax saving, what could be my retirement benefits out of this(30 yrs of investing). Please help me with calculation and suggestions.

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

Who day trades / swing trades with another job? Any tips?

In particular wondering if it’s a sustainable side income or just for fun, and what are you trading (stocks, crypto, forex, futures, etc.)?

I own two small companies, 1.5million in sales combined. Owned them for more that 20yrs. Getting older and thinking of selling, would like to sell by end of 2025.

Not sure how to go about selling. Any ideas?

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

Sorry, haven't been active here. What are we buying these days?

Any tips on negotiating rent increase? I got a 20% increase and it’s more than I am willing to pay. What are effective ways to negotiate?

Anyone buying a place during Covid times in Denver? How's it going?

I am joining JPM as a VP. Which brokerage accounts are permitted at JP for personal trading?

Looking for a panty dropper used car for around 40k. What would you suggest? Considering a wide range of options from x5 to F type

Reporting your shares to independence reporting. Do you guys actually follow through and not trade restricted stock? If you have a separate brokerage account, what’s the risk? At what level does it matter (manager, senior manager, etc)

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

Partners, when you identified a minor error from a deliverable that was reviewed by SA and manager. Do you mostly get upset/disappointed at the manager, SA or the associate?

If you were an independent PM Consultant, what PM software or tool would you use and why? Asana, Monday, or stick to Excel?

What's the total comp packages look like for big pharma for Sr. Manager or AD?

Is 130-150, 15% bonus, 15k rsu in line?

I have got an addendum letter from Wipro today stating that my date of Joining has been extended by 45 days. My joining was in mid August. I have 2 options to Accept or Reject the addendum.
Can i reject the addendum, how will it impact if I reject it ?

Hi All
Does anyone have my information on the role Assistant Manager PPM.

Deloitte India vs Deloitte USI.
Please answer if you have worked for both and have significant first hand experience about the difference in WLB, annual hikes, work culture, any other observations.
I see a lot in of this same discussion but very confusing and repetitive answers.
So would like people with personal experience to answer.
Thanks in advance 😃

YOE-3.3
Position- Data Engineer
Currently working in Quantiphi
I have 3 offers right now
1) Testbook 23lpa- 19fixed and rest stocks and variable
2)Tech Mahindra-20lpa fixed
3)Skuad - 24lpa fixed
Confused right now which to choose also been listening about recession and bear market so job security is also a crucial point in making a decision.

Hi All,

I’ve an interview upcoming with Quest global services pvt. ltd. Can anyone please help me what questions can possibly be asked, interview pattern, difficulty level?

There’s gonna be only one technical round, I’m wondering what all can be asked.

Yeo - 5
Tech stack - C sharp .net wpf sql

Guys did you hear the big news???

How do you combat being bored with your family during the holidays? Better than having family drama, but I think I need to stop coming home for the holidays.

Anyone going in on VNET?

How did you find out what you want in life? Feeling lost mid-career..

New to the city.
How do you all get through the constant gray and gloom? Especially with the lockdowns: with gyms closed, and constant drizzle - what outdoor activities do you do?

Facebook Ads after iOS 14 changes.

I'll share my experience and urge you to share yours:

Since iOS 14 changes, Facebook ads isn't the same anymore. Why?

A. >75% iOS users denied tracking. They are no longer tracked across websites/apps. Facebook lost its edge.
B. Targeting and conversion tracking aren't as effective anymore.
C. Many advertisers have been migrating their budgets from Facebook to Apple and Amazon ads.

What's your experience? Let's all learn.

#FacebookAds

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

Anyone take the WI Real Estate state exam? Any tips on what to study?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

Is it common for HOA to ask you to prove your car registration is up to date?

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!